随着经济、金融体制改革的深入发展,国有专业银行正在逐渐努力实现企业化经营和管理,向“自主经营、自负盈亏、自担风险、自我约束”的国有商业银行转变。要实现这一目标,就必须加大银行信贷管理工作的力度,改变信贷资产质量偏低,信贷资金沉淀严重的状况。 With the in-depth development of economy and financial system reform, the state-owned specialized banks are gradually making efforts to realize the operation and management of enterprises and transform from the state-owned commercial banks that operate independently, assume responsibility for their own profits and losses, take their own risks and self-restraint. In order to achieve this goal, we must increase bank credit management efforts, change the quality of credit assets is low, the situation of serious credit fund precipitation.